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Peoples Financial Corp. (PFBX)
OTHER OTC:PFBX
US Market

Peoples Financial (PFBX) Stock Statistics & Valuation Metrics

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Total Valuation

Peoples Financial has a market cap or net worth of $97.01M. The enterprise value is $78.23M.
Market Cap$97.01M
Enterprise Value$78.23M

Share Statistics

Peoples Financial has 4,617,466 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding4,617,466
Owned by Insiders
Owned by Institutions

Financial Efficiency

Peoples Financial’s return on equity (ROE) is 0.04 and return on invested capital (ROIC) is 3.13%.
Return on Equity (ROE)0.04
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.13%
Return on Capital Employed (ROCE)0.04
Revenue Per Employee210.01K
Profits Per Employee29.85K
Employee Count131
Asset Turnover0.04
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Peoples Financial is 24.0. Peoples Financial’s PEG ratio is -0.29.
PE Ratio24.0
PS Ratio3.42
PB Ratio0.93
Price to Fair Value0.93
Price to FCF22.38
Price to Operating Cash Flow21.54
PEG Ratio-0.29

Income Statement

In the last 12 months, Peoples Financial had revenue of 27.51M and earned 3.91M in profits. Earnings per share was 0.85.
Revenue27.51M
Gross Profit27.51M
Operating Income4.81M
Pretax Income4.81M
Net Income3.91M
EBITDA6.44M
Earnings Per Share (EPS)0.85

Cash Flow

In the last 12 months, operating cash flow was 4.50M and capital expenditures -302.00K, giving a free cash flow of 4.20M billion.
Operating Cash Flow4.50M
Free Cash Flow4.20M
Free Cash Flow per Share0.91

Dividends & Yields

Peoples Financial pays an annual dividend of $0.18, resulting in a dividend yield of 1.76%
Dividend Per Share$0.18
Dividend Yield1.76%
Payout Ratio88.24%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.10
52-Week Price Change11.28%
50-Day Moving Average21.06
200-Day Moving Average20.35
Relative Strength Index (RSI)46.08
Average Volume (3m)613.00

Important Dates

Peoples Financial upcoming earnings date is Jan 29, 2026, After Close (Confirmed).
Last Earnings DateOct 22, 2025
Next Earnings DateJan 29, 2026
Ex-Dividend Date

Financial Position

Peoples Financial as a current ratio of 0.04, with Debt / Equity ratio of 0.79%
Current Ratio0.04
Quick Ratio0.04
Debt to Market Cap<0.01
Net Debt to EBITDA-2.92
Interest Coverage Ratio0.59

Taxes

In the past 12 months, Peoples Financial has paid 900.00K in taxes.
Income Tax900.00K
Effective Tax Rate0.19

Enterprise Valuation

Peoples Financial EV to EBITDA ratio is 11.69, with an EV/FCF ratio of 17.91.
EV to Sales2.73
EV to EBITDA11.69
EV to Free Cash Flow17.91
EV to Operating Cash Flow16.71

Balance Sheet

Peoples Financial has $162.07M in cash and marketable securities with $800.00K in debt, giving a net cash position of $161.27M billion.
Cash & Marketable Securities$162.07M
Total Debt$800.00K
Net Cash$161.27M
Net Cash Per Share$34.93
Tangible Book Value Per Share$21.71

Margins

Gross margin is 99.99%, with operating margin of 17.49%, and net profit margin of 14.22%.
Gross Margin99.99%
Operating Margin17.49%
Pretax Margin17.49%
Net Profit Margin14.22%
EBITDA Margin23.40%
EBIT Margin17.49%

Analyst Forecast

The average price target for Peoples Financial is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast-7.99%
EPS Growth Forecast-78.22%

Scores

Smart Score6
AI Score